.npbk-app {
    --npbk-primary: #174a73;
    --npbk-primary-dark: #103652;
    --npbk-accent: #2f7db4;
    --npbk-accent-bright: #45a2db;
    --npbk-soft: #eef5fa;
    --npbk-soft-strong: #e2eff8;
    --npbk-border: #c8d6e2;
    --npbk-border-strong: #9fb5c6;
    --npbk-text: #1d2730;
    --npbk-muted: #5c6872;
    --npbk-success: #17643a;
    --npbk-success-bg: #edf8f1;
    --npbk-warning: #7a4a00;
    --npbk-warning-bg: #fff7e6;
    --npbk-error: #a61b1b;
    --npbk-error-bg: #fff1f1;
    --npbk-radius: 14px;
    color: var(--npbk-text);
    font-family: inherit;
    line-height: 1.55;
    max-width: 1180px;
    margin: 1.5rem auto;
}

.npbk-app *,
.npbk-app *::before,
.npbk-app *::after {
    box-sizing: border-box;
}

.npbk-app button,
.npbk-app input,
.npbk-app select {
    font: inherit;
}

.npbk-app h2,
.npbk-app h3,
.npbk-app h4,
.npbk-app p,
.npbk-app dl,
.npbk-app ul {
    margin-top: 0;
}

.npbk-header {
    position: relative;
    overflow: hidden;
    padding: clamp(1.35rem, 3vw, 2.2rem);
    border-radius: var(--npbk-radius) var(--npbk-radius) 0 0;
    color: #fff;
    background:
        radial-gradient(circle at 88% 5%, rgba(69, 162, 219, 0.34), transparent 34%),
        linear-gradient(135deg, var(--npbk-primary-dark), var(--npbk-primary));
}

.npbk-header::after {
    position: absolute;
    right: -4rem;
    bottom: -6rem;
    width: 15rem;
    height: 15rem;
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 50%;
    content: "";
}

.npbk-header__topline {
    position: relative;
    z-index: 1;
    display: flex;
    flex-wrap: wrap;
    gap: 0.65rem 1rem;
    align-items: center;
    margin-bottom: 0.85rem;
}

.npbk-year-pill {
    display: inline-flex;
    align-items: center;
    min-height: 28px;
    border: 1px solid rgba(255, 255, 255, 0.34);
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.13);
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.025em;
    padding: 0.2rem 0.7rem;
}

.npbk-checked {
    color: rgba(255, 255, 255, 0.82);
    font-size: 0.82rem;
}

.npbk-title {
    position: relative;
    z-index: 1;
    margin-bottom: 0.45rem;
    color: #fff;
    font-size: clamp(1.65rem, 4vw, 2.45rem);
    line-height: 1.15;
}

.npbk-lead {
    position: relative;
    z-index: 1;
    max-width: 820px;
    margin-bottom: 0;
    color: rgba(255, 255, 255, 0.92);
    font-size: clamp(0.98rem, 1.7vw, 1.08rem);
}

.npbk-workspace {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(330px, 0.85fr);
    gap: 1.2rem;
    align-items: start;
    border: 1px solid var(--npbk-border);
    border-top: 0;
    border-radius: 0 0 var(--npbk-radius) var(--npbk-radius);
    background: #f5f8fa;
    padding: clamp(0.8rem, 2.4vw, 1.35rem);
    box-shadow: 0 14px 36px rgba(20, 54, 80, 0.09);
}

.npbk-form {
    display: grid;
    gap: 0.9rem;
    min-width: 0;
}

.npbk-section {
    min-width: 0;
    margin: 0;
    border: 1px solid var(--npbk-border);
    border-radius: 12px;
    background: #fff;
    padding: 1.15rem;
}

.npbk-section--primary {
    border-color: #b2cadb;
}

.npbk-section__heading,
.npbk-disclosure > summary {
    display: flex;
    gap: 0.8rem;
    align-items: flex-start;
}

.npbk-section__heading {
    margin-bottom: 1rem;
}

.npbk-section__heading h3,
.npbk-disclosure > summary strong {
    color: var(--npbk-primary-dark);
    font-size: 1.08rem;
}

.npbk-section__heading h3 {
    margin-bottom: 0.1rem;
}

.npbk-section__heading p,
.npbk-disclosure > summary small {
    margin-bottom: 0;
    color: var(--npbk-muted);
    font-size: 0.84rem;
}

.npbk-step {
    display: inline-flex;
    flex: 0 0 30px;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--npbk-soft-strong);
    color: var(--npbk-primary-dark);
    font-size: 0.84rem;
    font-weight: 800;
}

.npbk-disclosure {
    padding: 0;
}

.npbk-disclosure > summary {
    position: relative;
    cursor: pointer;
    list-style: none;
    padding: 1rem 2.75rem 1rem 1.05rem;
}

.npbk-disclosure > summary::-webkit-details-marker {
    display: none;
}

.npbk-disclosure > summary::after {
    position: absolute;
    top: 50%;
    right: 1.1rem;
    color: var(--npbk-primary);
    content: "+";
    font-size: 1.35rem;
    font-weight: 500;
    line-height: 1;
    transform: translateY(-50%);
}

.npbk-disclosure[open] > summary::after {
    content: "−";
}

.npbk-disclosure > summary span:last-child {
    display: grid;
    gap: 0.08rem;
}

.npbk-disclosure[open] > summary {
    border-bottom: 1px solid var(--npbk-border);
}

.npbk-disclosure__body {
    display: grid;
    gap: 0.9rem;
    padding: 1rem;
}

.npbk-segmented {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0;
    margin: 0 0 1rem;
    border: 0;
    padding: 0;
}

.npbk-segmented input {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    clip-path: inset(50%);
    white-space: nowrap;
}

.npbk-segmented label {
    min-width: 0;
    cursor: pointer;
    border: 1px solid var(--npbk-border-strong);
    background: #fff;
    color: var(--npbk-primary-dark);
    font-size: 0.91rem;
    font-weight: 750;
    text-align: center;
    padding: 0.68rem 0.55rem;
}

.npbk-segmented label:first-of-type {
    border-radius: 9px 0 0 9px;
}

.npbk-segmented label:last-of-type {
    margin-left: -1px;
    border-radius: 0 9px 9px 0;
}

.npbk-segmented input:checked + label {
    position: relative;
    z-index: 1;
    border-color: var(--npbk-primary);
    background: var(--npbk-primary);
    color: #fff;
}

.npbk-segmented input:focus-visible + label,
.npbk-button:focus-visible,
.npbk-input:focus,
.npbk-select:focus,
.npbk-check-card:has(input:focus-visible),
.npbk-subchoice label:has(input:focus-visible) {
    outline: 3px solid var(--npbk-primary);
    outline-offset: 2px;
}

.npbk-results[data-state="invalid"] .npbk-result-hero {
    border-color: #d9a3a3;
    background: var(--npbk-error-bg);
}

.npbk-results[data-state="invalid"] .npbk-result-hero__value {
    color: var(--npbk-error);
}

.npbk-button:disabled {
    cursor: not-allowed;
    opacity: 0.55;
}

.npbk-field {
    min-width: 0;
}

.npbk-field--hero {
    margin-bottom: 0.65rem;
}

.npbk-label {
    display: block;
    margin-bottom: 0.35rem;
    color: var(--npbk-text);
    font-size: 0.91rem;
    font-weight: 750;
}

.npbk-input,
.npbk-select {
    width: 100%;
    min-height: 46px;
    border: 1px solid var(--npbk-border-strong);
    border-radius: 9px;
    background: #fff;
    color: var(--npbk-text);
    padding: 0.65rem 0.72rem;
}

.npbk-input--money {
    min-height: 54px;
    color: var(--npbk-primary-dark);
    font-size: clamp(1.15rem, 3vw, 1.5rem);
    font-weight: 800;
    letter-spacing: 0.01em;
}

.npbk-input[aria-invalid="true"],
.npbk-select[aria-invalid="true"] {
    border-color: var(--npbk-error);
    background: var(--npbk-error-bg);
}

.npbk-money-control {
    display: flex;
    align-items: stretch;
}

.npbk-money-control .npbk-input {
    min-width: 0;
    border-radius: 9px 0 0 9px;
}

.npbk-suffix {
    display: inline-flex;
    flex: 0 0 auto;
    align-items: center;
    justify-content: center;
    min-width: 66px;
    margin-left: -1px;
    border: 1px solid var(--npbk-border-strong);
    border-radius: 0 9px 9px 0;
    background: var(--npbk-soft);
    color: var(--npbk-primary-dark);
    font-size: 0.86rem;
    font-weight: 800;
    padding: 0.55rem 0.65rem;
}

.npbk-help {
    margin: 0.3rem 0 0;
    color: var(--npbk-muted);
    font-size: 0.8rem;
}

.npbk-presets {
    display: flex;
    flex-wrap: wrap;
    gap: 0.45rem;
    margin-bottom: 1rem;
}

.npbk-presets button {
    appearance: none;
    min-height: 34px;
    cursor: pointer;
    border: 1px solid var(--npbk-border);
    border-radius: 999px;
    background: #f8fafb;
    color: var(--npbk-primary-dark);
    font-size: 0.76rem;
    font-weight: 700;
    padding: 0.3rem 0.68rem;
}

.npbk-presets button:hover {
    border-color: var(--npbk-accent);
    background: var(--npbk-soft);
}

.npbk-check-card {
    display: grid;
    grid-template-columns: 20px minmax(0, 1fr);
    gap: 0.65rem;
    align-items: start;
    cursor: pointer;
    border: 1px solid var(--npbk-border);
    border-radius: 10px;
    background: #fff;
    padding: 0.78rem;
}

.npbk-check-card:hover,
.npbk-check-card:has(input:checked) {
    border-color: #8eb4ce;
    background: #f8fbfd;
}

.npbk-check-card input {
    width: 18px;
    height: 18px;
    margin: 0.14rem 0 0;
    accent-color: var(--npbk-primary);
}

.npbk-check-card span {
    display: grid;
    gap: 0.12rem;
}

.npbk-check-card strong {
    color: var(--npbk-primary-dark);
    font-size: 0.9rem;
}

.npbk-check-card small {
    color: var(--npbk-muted);
    font-size: 0.78rem;
    line-height: 1.42;
}

.npbk-nested {
    border-left: 4px solid var(--npbk-accent);
    border-radius: 0 9px 9px 0;
    background: var(--npbk-soft);
    padding: 0.9rem;
}

.npbk-subchoice {
    display: flex;
    flex-wrap: wrap;
    gap: 0.45rem 1rem;
    margin: 0 0 0.9rem;
    border: 0;
    padding: 0;
}

.npbk-subchoice legend {
    width: 100%;
    margin-bottom: 0.35rem;
    font-size: 0.84rem;
    font-weight: 750;
}

.npbk-subchoice label {
    display: inline-flex;
    gap: 0.4rem;
    align-items: center;
    color: var(--npbk-text);
    font-size: 0.82rem;
}

.npbk-subchoice input {
    accent-color: var(--npbk-primary);
}

.npbk-field-grid {
    display: grid;
    gap: 0.75rem;
}

.npbk-field-grid--four {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.npbk-inline-summary {
    margin-top: 0.7rem;
    border-radius: 8px;
    background: #fff;
    color: var(--npbk-primary-dark);
    font-size: 0.82rem;
    font-weight: 700;
    padding: 0.7rem;
}

.npbk-inline-summary--error {
    background: var(--npbk-error-bg);
    color: var(--npbk-error);
}

.npbk-notice,
.npbk-form-message {
    border-radius: 9px;
    font-size: 0.83rem;
    padding: 0.78rem 0.85rem;
}

.npbk-notice--info {
    border: 1px solid #b9d5e8;
    background: var(--npbk-soft);
    color: var(--npbk-primary-dark);
}

.npbk-notice--error,
.npbk-form-message {
    border: 1px solid #efb2b2;
    background: var(--npbk-error-bg);
    color: var(--npbk-error);
}

.npbk-form-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
}

.npbk-button {
    appearance: none;
    min-height: 44px;
    cursor: pointer;
    border: 1px solid transparent;
    border-radius: 9px;
    font-weight: 750;
    padding: 0.65rem 1rem;
    transition: background-color 120ms ease, border-color 120ms ease, transform 120ms ease;
}

.npbk-button:hover {
    transform: translateY(-1px);
}

.npbk-button--primary {
    background: var(--npbk-primary);
    color: #fff;
}

.npbk-button--primary:hover {
    background: var(--npbk-primary-dark);
}

.npbk-button--secondary {
    border-color: var(--npbk-primary);
    background: #fff;
    color: var(--npbk-primary);
}

.npbk-button--ghost {
    border-color: var(--npbk-border);
    background: #f7f9fa;
    color: var(--npbk-text);
}

.npbk-button--small {
    min-height: 38px;
    font-size: 0.8rem;
    padding: 0.5rem 0.75rem;
}

.npbk-results {
    position: sticky;
    top: 1rem;
    min-width: 0;
    overflow: hidden;
    border: 1px solid #a9c5d8;
    border-radius: 12px;
    background: #fff;
    box-shadow: 0 10px 25px rgba(16, 54, 82, 0.09);
}

.npbk-result-hero {
    padding: 1.3rem;
    color: #fff;
    background: linear-gradient(135deg, var(--npbk-primary-dark), var(--npbk-primary));
}

.npbk-result-hero__label,
.npbk-result-hero__meta {
    display: block;
}

.npbk-result-hero__label {
    color: rgba(255, 255, 255, 0.79);
    font-size: 0.78rem;
    font-weight: 750;
    letter-spacing: 0.035em;
    text-transform: uppercase;
}

.npbk-result-hero__value {
    display: block;
    margin: 0.25rem 0 0.35rem;
    overflow-wrap: anywhere;
    color: #fff;
    font-size: clamp(1.75rem, 4.2vw, 2.45rem);
    line-height: 1.12;
}

.npbk-result-hero__meta {
    color: rgba(255, 255, 255, 0.84);
    font-size: 0.78rem;
}

.npbk-summary-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1px;
    background: var(--npbk-border);
}

.npbk-summary-grid > div {
    min-width: 0;
    background: #fff;
    padding: 0.82rem;
}

.npbk-summary-grid span,
.npbk-summary-grid strong {
    display: block;
}

.npbk-summary-grid span {
    margin-bottom: 0.15rem;
    color: var(--npbk-muted);
    font-size: 0.7rem;
}

.npbk-summary-grid strong {
    overflow-wrap: anywhere;
    color: var(--npbk-primary-dark);
    font-size: 0.92rem;
}

.npbk-projection {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 0 0.7rem;
    align-items: center;
    border-top: 1px solid var(--npbk-border);
    border-bottom: 1px solid var(--npbk-border);
    background: var(--npbk-soft);
    padding: 0.8rem;
}

.npbk-projection span {
    grid-row: 1 / 3;
    color: var(--npbk-muted);
    font-size: 0.72rem;
}

.npbk-projection strong {
    color: var(--npbk-primary-dark);
    font-size: 0.92rem;
    text-align: right;
}

.npbk-projection small {
    color: var(--npbk-muted);
    font-size: 0.67rem;
    text-align: right;
}

.npbk-result-details {
    margin: 0;
    border-bottom: 1px solid var(--npbk-border);
}

.npbk-result-details > summary {
    position: relative;
    cursor: pointer;
    list-style: none;
    color: var(--npbk-primary-dark);
    font-size: 0.82rem;
    font-weight: 750;
    padding: 0.8rem 2rem 0.8rem 0.9rem;
}

.npbk-result-details > summary::-webkit-details-marker {
    display: none;
}

.npbk-result-details > summary::after {
    position: absolute;
    top: 50%;
    right: 0.9rem;
    content: "+";
    transform: translateY(-50%);
}

.npbk-result-details[open] > summary::after {
    content: "−";
}

.npbk-result-details dl {
    margin: 0;
    border-top: 1px solid #e2e9ee;
    padding: 0.2rem 0.9rem 0.6rem;
}

.npbk-data-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 0.7rem;
    align-items: baseline;
    padding: 0.44rem 0;
}

.npbk-data-row + .npbk-data-row {
    border-top: 1px dashed #dde5eb;
}

.npbk-data-row__label {
    min-width: 0;
    color: var(--npbk-muted);
    font-size: 0.73rem;
}

.npbk-data-row__value {
    margin: 0;
    color: var(--npbk-text);
    font-size: 0.78rem;
    font-weight: 700;
    text-align: right;
}

.npbk-data-row__value--negative {
    color: #8b3030;
}

.npbk-data-row--strong .npbk-data-row__label,
.npbk-data-row--strong .npbk-data-row__value {
    color: var(--npbk-primary-dark);
    font-weight: 800;
}

.npbk-warnings {
    margin: 0.85rem;
    border: 1px solid #e7bd70;
    border-radius: 9px;
    background: var(--npbk-warning-bg);
    color: var(--npbk-warning);
    padding: 0.75rem;
}

.npbk-warnings h4 {
    margin-bottom: 0.35rem;
    color: var(--npbk-warning);
    font-size: 0.82rem;
}

.npbk-warnings ul {
    margin: 0;
    padding-left: 1.1rem;
}

.npbk-warnings li {
    font-size: 0.73rem;
}

.npbk-warnings li + li {
    margin-top: 0.35rem;
}

.npbk-result-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    padding: 0.85rem;
}

.npbk-guide {
    margin-top: 2rem;
    border: 1px solid var(--npbk-border);
    border-radius: var(--npbk-radius);
    background: #fff;
    padding: clamp(1rem, 3vw, 1.7rem);
}

.npbk-eyebrow {
    margin-bottom: 0.25rem;
    color: var(--npbk-accent);
    font-size: 0.74rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.npbk-guide h2,
.npbk-guide h3 {
    color: var(--npbk-primary-dark);
}

.npbk-guide h2 {
    margin-bottom: 0.5rem;
    font-size: clamp(1.25rem, 3vw, 1.65rem);
}

.npbk-guide__intro > p:last-child,
.npbk-sources p,
.npbk-sources li,
.npbk-disclaimer {
    color: var(--npbk-muted);
    font-size: 0.88rem;
}

.npbk-rate-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.8rem;
    margin: 1.25rem 0 1.6rem;
}

.npbk-rate-card {
    border: 1px solid var(--npbk-border);
    border-radius: 10px;
    background: #f9fbfc;
    padding: 0.9rem;
}

.npbk-rate-card__value {
    display: block;
    margin-bottom: 0.15rem;
    color: var(--npbk-accent);
    font-size: 1.35rem;
    font-weight: 850;
}

.npbk-rate-card h3 {
    margin-bottom: 0.15rem;
    font-size: 0.9rem;
}

.npbk-rate-card p {
    margin-bottom: 0;
    color: var(--npbk-muted);
    font-size: 0.77rem;
}

.npbk-faq {
    margin-top: 1rem;
}

.npbk-faq details {
    border-top: 1px solid var(--npbk-border);
    padding: 0.8rem 0;
}

.npbk-faq summary {
    cursor: pointer;
    color: var(--npbk-primary-dark);
    font-weight: 750;
}

.npbk-faq details p {
    margin: 0.55rem 0 0;
    color: var(--npbk-muted);
    font-size: 0.88rem;
}

.npbk-sources {
    margin-top: 1.1rem;
    border-top: 1px solid var(--npbk-border);
    padding-top: 1rem;
}

.npbk-sources ul {
    padding-left: 1.15rem;
}

.npbk-sources a {
    color: var(--npbk-primary);
    text-underline-offset: 2px;
}

.npbk-disclaimer {
    margin-top: 1rem;
    border-left: 4px solid var(--npbk-border-strong);
    border-radius: 0 8px 8px 0;
    background: #f7f9fa;
    padding: 0.8rem;
}

.npbk-disclaimer strong {
    color: var(--npbk-text);
}

.npbk-sr-only {
    position: absolute !important;
    width: 1px !important;
    height: 1px !important;
    overflow: hidden !important;
    clip: rect(0, 0, 0, 0) !important;
    clip-path: inset(50%) !important;
    white-space: nowrap !important;
}

.npbk-app [hidden] {
    display: none !important;
}

@media (max-width: 920px) {
    .npbk-workspace {
        grid-template-columns: 1fr;
    }

    .npbk-results {
        position: static;
    }
}

@media (max-width: 620px) {
    .npbk-app {
        margin: 0.8rem auto;
    }

    .npbk-header {
        border-radius: 10px 10px 0 0;
    }

    .npbk-workspace {
        border-radius: 0 0 10px 10px;
        padding: 0.65rem;
    }

    .npbk-section {
        padding: 0.9rem;
    }

    .npbk-disclosure {
        padding: 0;
    }

    .npbk-field-grid--four,
    .npbk-rate-grid {
        grid-template-columns: 1fr;
    }

    .npbk-segmented label {
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 0.8rem;
    }

    .npbk-summary-grid {
        grid-template-columns: 1fr 1fr;
    }

    .npbk-data-row {
        grid-template-columns: minmax(0, 1fr) minmax(95px, auto);
    }

    .npbk-form-actions .npbk-button {
        flex: 1 1 130px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .npbk-button {
        transition: none;
    }
}

@media print {
    .npbk-app {
        max-width: none;
        margin: 0;
        color: #000;
    }

    .npbk-header {
        color: #000;
        background: #fff;
        border: 1px solid #999;
    }

    .npbk-title,
    .npbk-lead,
    .npbk-year-pill,
    .npbk-checked {
        color: #000;
    }

    .npbk-workspace {
        display: block;
        border: 0;
        box-shadow: none;
        padding: 0;
    }

    .npbk-form,
    .npbk-result-actions,
    .npbk-guide {
        display: none !important;
    }

    .npbk-results {
        position: static;
        margin-top: 1rem;
        border-color: #999;
        box-shadow: none;
    }

    .npbk-result-hero {
        color: #000;
        background: #fff;
        border-bottom: 1px solid #999;
    }

    .npbk-result-hero__label,
    .npbk-result-hero__value,
    .npbk-result-hero__meta {
        color: #000;
    }

    .npbk-result-details {
        display: block;
    }
}